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Payday Advance Loans

A payday advance is a short term loan that you can take when facing unforeseen expenses that cannot wait for the next paycheck. It happens more often than you think, as unexpected events can come at any time.

Many elements can influence your budget, so even if you are determined to set some money aside for emergencies when the unanticipated happens, you have no back-up to use. In such cases, payday loans are an easy way out of a stressful situation.

When you apply for a payday advance, you can borrow up to $1,500, which you will have to repay over a short period, with interest. While these loans were designed to be paid back in full by the next paycheck, now they can be paid in multiple repayments*.

Payday advance loans in Canada are versatile and easy to access. You submit your application, receive an approval decision, sign the loan contract, and then get your money. Unlike other personal loans, these loans have a quick and straightforward application process.

You won’t be asked to put up any collateral, and you can even have the money available that same day. You may say that the payday advance is the improved and updated version of traditional loans.

One of the main aspects of payday advance loans is that they are designed to offer financial assistance in an emergency. Other expenses, especially larger ones, are usually planned, but when you deal with urgent costs that you cannot postpone, these small cash loans can save the day.

You can cover any stringent expense that you are facing. It can be a malfunctioning appliance, an urgent medical bill, or other bills that ended up higher than you expected, or an urgent repair on your car. Whatever your emergency is, payday advance loans in Canada are the most comfortable solution.

Notebook showing payday advance loan

Payday Advance Loans Online

You can quickly get a payday advance online without spending time going to a loan store to apply in person. Payday advance loans online are the simplified version of traditional cash advances.

Even if many people still choose the traditional loan stores out of habit or just as a personal preference, you now have a more accessible alternative available from online lenders.

Private lenders like iCASH chose to move the entire lending process online to make things even more accessible. Since these online loans are meant to cover financial urgencies, handling everything online can help you access the money faster when time is crucial.

You can apply for a payday advance online from anywhere. Whether you are at home, at work, or on your laptop during your commute, as long as you have the information necessary in the application form, you can get a loan with us.

Another great benefit of applying online for a loan is that you don’t have to adapt to the store’s working hours. You can apply online at any hour of day or night. That means that even if your work schedule is unusual or you have other reasons why you aren’t available during the day, you can still get payday advance loans online fast.

Unlike the traditional loans you may be familiar with, these instant loans don’t require loads of paperwork. You don’t have to prepare files of countless documents to be eligible. All you have to do is fill in the online application, which doesn’t take longer than ten minutes. And if at any point you need a helping hand, our customer support is there for you.

One of the main advantages of using a reputable online lender is that you will immediately determine if you qualify for the loan. Instant approval is one of our primary concerns, so we created a system capable of answering every application immediately.

With our advance payday loans online, you won’t have to wait for days to know if your loan is approved. Not only will you know right away if you have been approved, but èyou can get funded the same day. This is a huge advantage when you are in a crisis and need to access the funds fast. If you opt for an electronic transfer, the funds will be available even sooner.

If it’s your first time getting a loan entirely online, you may be a bit worried about certain aspects, like safety. At iCASH, we have invested a lot to make sure our system is entirely safe. Everything from the application process to repayment is entirely secure.

Payday Advance Loans for Bad Credit

Payday advances for people with bad credit are available from private lenders like iCASH. Poor credit is often an issue when getting a loan, especially with the more traditional borrowing options. But it’s important to know that you can still qualify even if you have a low credit score.

When you need a payday advance loan for bad credit, it is better to look for direct lenders because they have different ways of assessing risks. At iCASH, we have flexible conditions and no credit score requirement, so most applications are approved.

It’s not all about bad credit; people with no credit history may have also had trouble taking loans in the past. However, private lenders offer payday loans with bad credit to people with no credit history.

The credit check is not something you should fear. At iCASH, we do perform one; all serious lenders do. But it’s only a part of our routine verification process. Even if you had a poor credit history, we wouldn’t decline your application because of it.

If you have already applied for a bank loan and were declined, there’s no reason to give up and think you will get the same answer from us. We will review your request from a different perspective, and the previous refusal will play no part in your new application.

Bad credit payday advance loans are more accessible than you may have thought, so if you have an urgent expense, don’t let poor credit prevent you from submitting your application. These are also unsecured loans, which means you won’t be required to provide any collateral. Even if you have no valuable assets or don’t want to place it at risk, you can still quickly get a loan for poor credit.

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How Do I Apply for a Payday Advance Loan?

Apply Online

Apply Online

Go to the iCASH website or app and complete our loan application. Just select your amount, repayment option*, and provide the necessary information we require.

Instant Approval Decision

Instant Decision

Once you submit your complete loan application, you’ll get instant approval. We use advanced algorithms to provide an automated decision, 24/7.

Get Funded 24/7

Get Fund

Digitally sign the loan agreement and send it back to us. With the e-Transfer option, you can get your funds in as little as 2 minutes! Fast, payday advance loans online.

Maximum repayment period 62 days. APR is 109.50%. For a $300 loan of 14 days, the total payback amount is $345. Interest fees: Alberta $15 per 100, British Columbia $15 per 100, Manitoba $17 per 100, New Brunswick $15 per 100, Nova Scotia $19 per 100, Ontario $15 per 100, PEI $15 per 100. 372 Bertha Street, Hawkesbury, Ontario, K6A 2A8. iCASH only offers online services. Please note that we cannot accept customers or conduct any transactions from this location.

Best Payday Advance Loans in Canada

Faxless, Paperless Application Process

Our loans are processed completed online. No notaries. No mailing. No e-mailing. No faxing. No calling. No office visits. Your time is valuable, and we expect things to happen in a matter of minutes. That's how our lending process works. No travel and no physical paperwork required – just an easy process.

The flexibility that Doesn't Cost Extra

Our loans can be repaid in a single lump-sum payment or multiple installments*. Depending on your province regulations and your income cycle. No matter if you choose one or multiple installments, your interest rate remains the same. We don't charge you extra just because you need a bit more flexibility to repay your loan.

No Credit Score Refused!

With us, bad credit isn't a deal-breaker. While a credit score is certainly one measure of your financial situation, it's not the only measure. We're more concerned about whether or not you have the means to pay back the loan. So, there's no reason to fear a credit score. What's more, we don't charge you a higher rate just because you have bad credit.

iCASH is a Fully Licensed and Certified Direct Lender

iCASH is a Canadian company that is fully licensed and certified as a direct lender. That means we have the licenses necessary to directly lend to citizens in every province in which we operate. You can trust that iCASH and our operations are entirely legitimate. We offer you the highest quality service and the most reliable online lending in Canada.

Borrow and Save!
Get up to 20% in Cashback!*

iCASH offers a unique Cashback program to reward its customers in Canada. You can get back up to 20% of the cost of borrowing paid once your payday advance loan is repaid and receive your Cashback direct into your bank account the same day. Real saving and real money!*

Payday Advance Loans FAQs

What do I need to apply for a payday advance loan?

To be eligible for a payday advance loan, you need to meet the following qualifications:

  • You must be at least 19 years of age as of your application date.
  • You must be a Canadian citizen and a resident of Alberta, British Columbia, New Brunswick, Ontario, Manitoba, Nova Scotia, or Prince Edward Island.
  • You must have been receiving the same source of income for the past three months.
  • You must have a combined net income of at least $800/month.
  • You must have a Canadian bank account that has been open for at least three months and has access to online banking functions.
  • You must have a valid mobile phone number, email address, and home address.

Can I get a payday advance with no credit check?

You may get a payday advance with no credit check; however, even if a lender ignores that step, you will probably have to offer additional documents to prove your financial situation.

At iCASH, we will perform a credit check in our verification process, but we don’t base our approval on your credit score or history. Instead of focusing on your previous financial issues, we look into your current ability to pay back the loan.

Can I get a payday advance loan without a checking account?

You can get a payday advance without a checking account if you receive your income deposits in another type of account, for example, a savings account. A bank validation is required for your loan. So, as long as your banking account has been opened for at least three months and you meet the other requirements, you can be approved for a loan with us.

Where can I get a payday advance 24/7?

iCASH is the best place to get a loan 24/7 via email money transfer. Our services are available around the clock, so you can submit your online application whenever you want.

We aren’t restricted by the regular working hours; you can even apply in the middle of the night and still receive an approval decision in minutes. Once approved, the money will also be available for electronic transfer quickly.
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